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Originally Posted by noslices1
I am debt free, but use credit cards every month. AMEX card gives me 6% back on all the groceries I buy and when I buy a $50 Gas Card from Publix for $40, I get another 6% off the $40. When I go out to eat, and get Military discounts and BOGO’s and other special meal deals, I get 3% cash back with my B of A Master Card. Also have a Chase Visa card through Amazon that I get Cash back on also. Pay them ALL off every month and some get used a lot. Last year I got $425.00 back from AMEX alone. Credit score last month 833. Paid off my car 3.25% car loan this month, 3 years early, so maybe score will go up again next month. Who knows, but I like using credit and most people do too.
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How much is your yearly Amex fee? Amex keeps wanting me to upgrade to a higher level, but the fee is $300+/year plus a fee for another family member's fee. I stick with my gold card, but even there the fee is high. The reason why we have kept it is because it never gets frauded, so we keep all our monthly automatic pays on there. I should probably ditch it, but we've had it for decades. Back in the day, my husband had so many miles on it we flew everywhere business or first class. Miss those days!